Claim Provisions
Payment of Benefits will be administered based upon the currently available beneficiary designation on file with us or the Employer. If we have taken any action or made any payment before receiving notice of a beneficiary designation, that beneficiary designation will not go into effect for those actions taken or payments made. If more than one beneficiary is named and the order or share of payments is not designated, the beneficiaries will share equally. The share of a beneficiary who dies before you, the share of a beneficiary who is legally unable to receive benefits, or the share of benefits that are unallocated will pass to any surviving beneficiaries in proportion to their current allocations. The aggregated shares of benefits in excess of 100% will be deducted from surviving beneficiaries in proportion to their current allocations. If you, or a party legally acting on your behalf, has made an administrative error in completing the beneficiary designation form, we may, in our discretion, and when possible to do so, interpret the designation in a reasonable way to enable us to pay the benefits promptly. If a beneficiary is not named, or if all named beneficiaries do not survive you, or the named beneficiary is legally unable to receive benefits, any benefits due will be paid to the first surviving family member in the order that follows: - you; - your Spouse; - your natural offspring and legally adopted Children in equal shares; - your mother or father, or if paying both, in equal shares; or - your sisters and brothers in equal shares. Instead of making a payment to a surviving family member, we have the right to pay any benefits due to your estate. If there are no surviving family members, or if we are unable to determine the appropriate beneficiary(ies), any benefits due will be paid to your estate. If there is no estate, benefits will be paid as required by law. Also, at our option, we may pay up to $500 to the person or persons who, in our opinion, have incurred expenses for an Insured's last Sickness and death. Any such payment will reduce the Life or AD&D Benefit Amount payable by us. In the event of your death, should your Spouse survive you and elect to continue coverage under Portability of Life and Accidental Death and Dismemberment Insurance, your surviving Spouse should name a beneficiary according to the requirements specified within this provision. A Retained Asset Account will be made available to you or your beneficiary if an Insured's Life or Accidental Death or Dismemberment claim is at least $10,000. If the Life or Accidental Death or Dismemberment claim is less than $10,000, we will pay it in one lump sum to you or your beneficiary. Upon Written request, other payment options may be available to you or your beneficiary. If an Insured or an Insured's beneficiary is a minor or is incompetent, we can pay up to $2,000 to the person or institution that appears to have assumed the custody and main support of the Insured, the minor, or the Insured's beneficiary unless or until that Insured, the minor, or the Insured's beneficiary's appointed legal representative makes a formal claim. If we pay benefits to such person or institution, we will not have to pay those benefits again. Any such payment will reduce the Life or AD&D Benefit Amount payable by us. We have the right to recover any overpayments due to: - fraud; - misstatement of information; or - any error we make in processing a claim. We must be reimbursed in full. If it is not possible to reimburse us in a lump sum payment, we will develop a reasonable method of repayment. This may include reducing or
Methods of Payment
Payments to a Minor or Incompetent Insured or Insured's Beneficiary
Overpayment of Claims
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 33
Unum Life Insurance Company of America
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